Ben and josh are good friends. they are working on a team assignment in statistics. they had planned to work on the project last night, but josh called at the last minute saying he had a conflict. ben ended up doing all of the work. the instructor is giving each student the opportunity to critique the effort of his or her partner. ben knows that josh needs the points on the assignment in order to pass the course and he would like to keep josh as a friend. if ben decides to say that josh deserves equal credit, this would be an example of universal ethical standards. true or false?

that statement is true

universal ethical standards dictate that all employees on a certain organization would be judge with the same score as other employees based on the team's overall performance. Even though in some situation such principle may strengthen the bond between employees, there are situations such as the case above that might make it become unfair for some employees during evaluation.

answer; empowerment and collaboration;

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.